NBT Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	661.63	632.31	552.85	462.67	332.77	302.18
Interest Income on Investments	87.72	78.68	58.82	60.12	51.3	37.7
Total Interest Income	749.34	710.99	611.67	522.79	384.07	339.88
Interest Paid on Deposits	184.08	192.33	186.95	104.64	9.92	10.71
Interest Paid on Borrowings	16.43	17.11	24.6	39.93	11.96	8.07
Total Interest Expense	200.51	209.45	211.55	144.57	21.88	18.79
Net Interest Income	548.84	501.55	400.12	378.22	362.19	321.09
Net Interest Income Growth	16.23%	25.35%	5.79%	4.43%	12.80%	1.71%
Trust Income	45.3	44.76	41.64	34.76	33.31	33.72
Gain (Loss) on Sale of Investments	0.82	0.15	2.79	-14.07	-1.13	0.57
Other Non-Interest Income	134.89	131.52	115.31	101.31	108.77	110.16
Total Non-Interest Income	202.51	195.49	176.82	137.43	155.58	157.79
Non-Interest Income Growth	7.60%	10.56%	28.67%	-11.67%	-1.40%	7.87%
Revenues Before Loan Losses	751.35	697.04	576.95	515.65	517.77	478.88
Provision for Loan Losses	19.27	32.25	19.61	25.27	17.15	-8.26
Revenue	732.08	664.79	557.34	490.37	500.62	487.14
Revenue Growth	16.25%	19.28%	13.66%	-2.05%	2.77%	18.58%
Salaries and Employee Benefits	268.04	252.2	226.5	189.15	183.3	168.17
Federal Deposit Insurance	7.89	7.89	6.77	6.26	3.2	3.04
Amortization of Goodwill & Intangibles	12.92	11.94	8.44	4.73	2.26	2.81
Selling, General & Administrative	126.88	119.54	106.48	99.25	92.3	90.01
Other Non-Interest Expense	32.14	31.6	25.66	24.93	19.8	20.34
Total Non-Interest Expense	450.52	425.82	376.35	326.94	303.5	287.28
EBT Excluding Unusual Items	281.56	238.97	180.99	163.44	197.12	199.86
Pretax Income	281.56	219.44	179.46	153.46	196.16	199.86
Income Tax Expense	63.85	50.21	38.82	34.68	44.16	44.97
Net Income	217.71	169.24	140.64	118.78	152	154.89
Net Income to Common	217.71	169.24	140.64	118.78	152	154.89
Net Income Growth	45.40%	20.33%	18.40%	-21.85%	-1.87%	48.37%
Basic Shares Outstanding	52	51	47	45	43	43
Diluted Shares Outstanding	52	51	47	45	43	44
Shares Change	5.47%	7.26%	5.95%	3.68%	-1.23%	-0.61%
EPS (Basic)	4.18	3.34	2.98	2.67	3.54	3.57
EPS (Diluted)	4.16	3.33	2.97	2.65	3.52	3.54
EPS Growth	37.77%	12.12%	12.07%	-24.72%	-0.56%	49.37%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.510	1.420	1.320	1.240	1.160	1.100
Dividend Growth	8.63%	7.58%	6.45%	6.90%	5.46%	1.85%
Effective Tax Rate	22.68%	22.88%	21.63%	22.60%	22.51%	22.50%

SEC Filings: 10-K · 10-Q